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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,448 | $63,861-35.1% | $104,639-60.4% | $79,856-48.1% |
| Participation rate | 50.0% | 64.9%-14.9pp | 74.1%-24.1pp | 69.6%-19.6pp |
| Annual return | 3.46% | 21.30%-17.8pp | 340.67%-337.2pp | 31.71%-28.3pp |
| Employer contribution / active EE | $1,015 | $1,588-36.1% | $2,682-62.2% | $2,471-58.9% |
| Participant deferral / active EE | $3,338 | $2,693+23.9% | $3,738-10.7% | $3,741-10.8% |
| Admin fee / account holder | $5,704 | $4,185+36.3% | $6,465-11.8% | $5,306+7.5% |